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COBRA and Medicare

If you are already on COBRA then enroll in Medicare, you may lose your COBRA benefits.

If you already have Medicare (A and/or B) when you enroll in COBRA, Medicare will become your primary insurance on the day your employment is no longer active.

It is very important to note that under the Medicare rules COBRA coverage is not considered coverage based on current employment. As such, an individual is not eligible for a Medicare Special Enrollment Period when the COBRA coverage ends.  Individual has 8 months from termination of employment to enroll in Medicare without penalty.

Q&A About Medicare and Cobra

Medicare eligibility & COBRA

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